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US 2012/0059756 A1Published application
Automated mining and processing of data associated with real estate
AssigneeCorelogic Information Solutions, Inc.
InventorsDianna L. Serio, Felice J. Kesselring
Life of this patent
Estimating the term…
Abstract
Computer-based processes are disclosed for efficiently mining and analyzing information associated with particular mortgage loans, borrowers and properties. The disclosed processes use property-related data aggregated from multiple sources and jurisdictions to, among other tasks, identify properties owned by an individual.
Claims20
A computer-implemented process of identifying properties owned by an individual, the process comprising:
- (a) receiving input specifying a name and social security number of the individual;
- (b) searching a plurality of data repositories for properties associated with the name and social security number, said plurality of data repositories including a data repository of credit header data and a data repository of aggregated loan data, said credit header data representing non-financial information maintained by one or more credit bureaus, said aggregated loan data representing mortgage loans offered by a plurality of lenders;
- and
- (c) for each property identified in step (b), assessing, based at least partly on public recorder data, whether the property is currently owned by the individual;
- wherein steps (a)-(c) are performed by a computerized analytics system that comprises one or more computing devices.
2 more elements
An analytics system, comprising:
- a data repository of credit header data of a plurality of individuals, said credit header data consisting of non-financial data maintained by one or more credit bureaus;
- a data repository of aggregated loan data, said aggregated loan data representing mortgage loans granted by multiple lenders;
- a data repository of aggregated public recorder data, said aggregated public recorder data including property-related data maintained by each of a plurality of public recorders of each of a plurality of jurisdictions;
- and
- a computing system programmed to search for properties owned by an individual by searching at least the data repositories of credit header data and aggregated loan data for properties associated with a name and social security number of the individual, and by using the data repository of aggregated public recorder data to assess the individual's ownership of said properties, said computing system comprising one or more computing devices.
2 more elements
A computer-implemented process of generating a profile of a securitized loan, the method comprising:
- (a) receiving information specifying a loan amount, a loan date, and a property zip code associated with the securitized loan;
- (b) conducting a search of at least aggregated public recorder data and/or aggregated loan data for a mortgage transaction that matches the loan amount, loan date, and property zip code;
- (c) in response to identifying a matching mortgage transaction in step (b), determining a borrower name and property address associated with the securitized loan from recorded information regarding the matching mortgage transaction;
- (d) looking up a mailing address associated with said property address;
- and
- (e) using said mailing address to search for additional properties owned by the borrower;
- wherein steps (a)-(e) are performed by a computerized analytics system that comprises one or more computing devices.
4 more elements
An analytics system, comprising:
- a data repository of public recorder data aggregated across multiple public recorders of multiple respective jurisdictions;
- a data repository of public assessor data aggregated across multiple public assessors of multiple respective jurisdictions;
- and
- a computing system programmed to generate a profile of a securitized loan by at least:
- (a) searching the public recorder data for a mortgage transaction that matches a loan amount, loan date, and property zip code associated with the securitized loan;
- (b) determining a borrower name and property address associated with the securitized loan based on a matching mortgage transaction identified in said search of the public recorder data, said property address being that of a property purchased by the borrower using the securitized loan;
- (c) determining a mailing address associated with said property;
- and
- (d) searching at least the public assessor data for additional properties whose mailing address matches the mailing address identified in (c), to thereby search for additional properties owned by said borrower.
6 more elements
A computer-implemented process of searching for properties owned by an individual, comprising:
- determining a first property address of a first property associated with the individual;
- conducting a mailing address search of aggregated public assessor data to locate a second property whose mailing address matches said first property address;
- and
- determining, based on public recorder data, whether the second property has been purchased by the individual;
- said method performed by a system that comprises one or more computers.
2 more elements
Dependencies are inferred from the claim text.